Lending Compliance Analyst

Back to jobs New Lending Compliance Analyst Phoenix, Arizona, United States; Remote Apply About the Company Valon’s mission is to empower every homeowner. We believe the journey of home ownership starts when you get your keys, but lasts far beyond. We’re creating a world where home ownership comes with ease, security, and financial know-how. Our growing team of engineers, operators, product enthusiasts, and experienced servicing professionals are leveraging technology to fundamentally improve the homeownership experience. Through mortgage servicing—the process of paying off one’s mortgage—Valon is taking the first step in transforming the industry one homeowner, and lender, at a time. Valon’s Compliance team is a growing, fast-paced team with a goal of building a mortgage servicing platform that both empowers mortgage servicing and MLOs to focus on providing exceptional services and also delivers a phenomenally transparent product experience to homeowners. As a Lending Compliance Analyst at Valon, you will own the compliance support functions for Valon’s Lending business area. About the Role We are looking for a highly motivated Lending Compliance Analyst to join our Legal, Risk, and Compliance team. In this role, you'll work closely with our business partners in Lending to drive the compliance functions of the lending operations, including disclosure reviews and testing, ECOA monitoring, interest rate lock reconciliation, Encompass billing scrub, Adverse Action reviews, change management review, MLO QA, FHA Connection administration, and VALERI administration. Our team is made up of passionate and critical thinkers who are navigating multiple facets of the mortgage sector within a fast-growing technology and operations-focused business line. If you're interested in joining a collaborative team and making a meaningful impact in the mortgage industry, we encourage you to apply.  Responsibilities  Own and become the lending expert of TRID disclosure timelines Understand and assist MLOs on fee analysis  Monitor for ECOA compliance Review and reconcile interest rate locks Perform Encompass billing reconciliations Review and manage Adverse Action second level reviews Monitor and test the lending change management process Perform targeted compliance testing as needed Assist regulatory submissions of HMDA data and NMLS Call Reports Assist with state required reporting as needed Ideal Background To be considered for this role, you should have a minimum of 3+ years of Encompass experience Experience with the Vesta LOS preferred, but not required Understand MCR and HMDA submission Have a working knowledge of TRID disclosure timelines You can own the administrator role for FHA Connection and VA’s VALERI systems What we can offer Compensation: Competitive salary and 401k plan  Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits Commuter benefits: We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient. Grow together: Company wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback Generous time off: flexible paid time off, sick days, and 11 company holidays  Baby bonding time!: 12 weeks off for both birthing and non-birthing parents - fully paid so you can focus your energy on your newest addition This Base Compensation pay range applies to our New York City located staff and may differ according to location.  New York Base Compensation Pay Range $72,000 - $95,000 USD Throughout the interview process, please remember that emails will only be from valon.com emails. We won't ever be asking for any personally identifiable information during the interview process itself. Please reach out to talent@valon.com if you have any requests to verify the authenticity of an outreach.   Valon is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Valon makes hiring decisions based solely on qualifications, merit, and business needs at the time. Apply for this job * indicates a required field First Name * Last Name * Preferred First Name Email * Phone Resume/CV Attach Attach Dropbox Google Drive Enter manually Enter manually Accepted file types: pdf, doc, docx, txt, rtf Cover Letter Attach Attach Dropbox Google Drive Enter manually Enter manually Accepted file types: pdf, doc, docx, txt, rtf LinkedIn Profile Website Do you now or in the future require sponsorship for US Work Authorization? * Select... How many years of experience do you have in the mortgage servicing industry? Submit application